When a payment app goes ding, we expect it’s somebody giving us money—or wanting money from us. It also could be someone we don’t want to hear from.

Alexuis Baremore was asleep in her High Point, N.C., apartment early on Jan. 27 when Cash App’s coin-dropping alert woke her up. The 28-year-old slid her arm under her pillows to feel around for her phone, held it to her face…and then rolled her eyes.

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This post first appeared on wsj.com

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